After paying off the arrears, submit an application for account cancellation to the issuing bank. During the cancellation period, the card cannot be used again, otherwise the cancellation will fail and you need to apply for cancellation again.
If you lose it, you can't directly cancel it. You have to report the loss first, register your personal information, and then go to the bank to cancel your business.
If the card is not needed, it is recommended to cancel the business as soon as possible, because credit cards generally have an annual fee. Handle cancellation business in time to reduce economic losses.